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M&T Debit & Credit Cards with Chip Technology

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M&T Debit & Credit Cards with Chip Technology

Your security is one of our top priorities. That’s why M&T Debit and Credit Cards feature the enhanced security of chip technology.

Chip cards, also referred to as EMV cards or Smartcards, contain embedded microprocessors that strengthen transaction security and provide other encryption capabilities that traditional magnetic stripe cards can’t offer. They are the global standard because of their ability to reduce incidents of counterfeit fraud when used at a chip-enabled terminal.

Benefits

You can use your M&T Debit or Credit Card with chip technology at millions of locations worldwide, with or without chip technology.

Enhanced Security – Worldwide

Receive a card with an encrypted microchip that will help protect you from fraud and counterfeit transactions when used at a chip-enabled terminal. The chip also allows you to pay at international merchant locations where chip cards are the standard. Over the next several years, more chip terminals are expected to appear at merchant locations and ATMs throughout the United States.

Custom PIN

Experience yet another layer of security for your M&T Debit or Credit Card with a PIN that only you know. You may be asked to enter your PIN when using your new M&T Debit or Credit Card at a chip-enabled merchant terminal. If you already have a PIN associated with your M&T card, you can keep it or set a new one.

Request your chip-enabled card

Don’t wait until your card expires to add an extra layer of security. Contact us today.

At a Non-Chip Terminal

You may not need to use your PIN. Simply swipe your card and sign, if necessary.

M&T debit and credit cards with chip technology will continue to feature the magnetic stripe on the back of the card, so they can be used anywhere.

At a Chip-Enabled Terminal

Insert the chip portion of the card into the terminal with the chip facing up. It’s important to leave the card in the terminal until the transaction is complete – if you remove the card too soon, the transaction will end, and your purchase will not be processed

Follow the prompts on the terminal’s screen. Depending on the terminal, you may or may not be asked to enter your PIN while your card is in the terminal

View transaction amount. The terminal will display the purchase amount

Once the transaction is approved, you will be prompted to remove your card and take your receipt. You may be asked to sign the receipt for the transaction if you weren’t prompted to enter your PIN

Online and Phone Transactions

These types of transactions will be conducted the same way they are today and do not require a PIN.

​​​​You can use your M&T card with chip technology at all locations that accept Visa®– with or without chip technology. The chip allows you to pay at international merchant locations where chip cards are the standard. Over the next several years, more chip terminals are expected to appear at merchant locations and ATMs throughout the United States. Chip card technology has already been implemented in many countries in Europe, Asia, Latin America, Africa and the Middle East.​​​